Did you know that there were over 1.1 million burglaries in America in 2019?
From burglaries to flooding and everything in between, there are many different ways your home or another piece of property can sustain damage. This is why you should always be ready to file an insurance claim for property damage. That way, you won’t have to foot the bill all on your own.
Are you worried about potential deadlines? Keep reading to learn how long you have to file property damage claims.
The Property Damage Claim Time Limit
It’s an unfortunate fact that claim time limits can vary based on a wide range of factors, including the insurance provider, the state you live in, the types of property damage claims, and more. To get the most accurate answer possible, it’s best to call your insurance provider and ask. You may have even gotten some paperwork that can outline the entire process for you.
One thing you should always keep in mind is that there is often more than one deadline you must be aware of. If you find one deadline in your paperwork and don’t look for the others, you could end up sabotaging your property damage claim.
The window of time could be fewer than two weeks or as many as 4 months. The rule of thumb you should follow is to file as soon as you can.
How to File Your Property Damage Claim
When filing a property damage claim, the first step is to notify your insurance provider of the loss and damage in question. They should schedule a professional to visit your property and assess the damage. You should do your best to document the damage on your own as well.
Aside from a phone call, you’ll certainly have to file some required documents. These can include a damage report, a standard claim form, and maybe others.
If you think the settlement they’re offering you is unfair, then you might have the option of vetoing it and hiring a different third-party assessor. Oftentimes, insurance providers try to low-ball their clients as much as possible. In some instances, you may need to hire an attorney who can represent your case in a court of law.
Don’t forget to visit insuranceclaimhq.com for nifty tips on how to negotiate your settlement for property damage claims.
Are You Ready to File Property Damage Claims?
Now that you’ve learned how long you have to file property damage claims, you can make it a priority to get it done as soon as possible. The last thing you’d want to do is lose out on what you’re owed. Once you figure out the process once, it’ll be even quicker if something happens in the future.
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